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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,510 | $87,546-83.4% | $75,784-80.9% | $125,389-88.4% |
| Participation rate | 55.6% | 80.2%-24.6pp | 75.8%-20.3pp | 83.2%-27.6pp |
| Annual return | -3.70% | 13.49%-17.2pp | 9.68%-13.4pp | 282.24%-285.9pp |
| Employer contribution / active EE | $1,898 | $3,930-51.7% | $3,323-42.9% | $4,866-61.0% |
| Participant deferral / active EE | $2,341 | $4,230-44.6% | $3,652-35.9% | $5,352-56.2% |
| Admin fee / account holder | $788 | $6,503-87.9% | $5,300-85.1% | $9,541-91.7% |